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Commercial Bank of Dubai

Al Etihad Credit Bureau

 

Make the right financial choices and the best of life will open up for you. Al Etihad Credit Bureau provides credit reporting to help you understand your financial obligations and credit worthiness. Through timely repayment of liabilities, you can benefit from a host of privileges and opportunities that come with having a good credit history.

 

​What is a Credit Report?

A Credit Report is a collection of historical credit data from various financial institutions, utility companies, government, etc., on individuals and companies in the UAE.

The Report will include:

  • Record of current and previous credit facilities

  • Payment history over the last 24 months

  • Payments overdue

  • Records of any defaults and bounced cheques​

What is Al Etihad Credit Bureau?

Al Etihad Credit Bureau is a Federal Government organization that collects credit data, information and financial commitments from banks and financial institutions in order to provide accurate Credit Reports to individuals, financial institutions and companies in the UAE as allowed by the laws and regulations of the UAE.

To obtain a Credit Report, you should visit the Customer Service Centre at Al Etihad Credit Bureau and apply for a Credit Report. For individuals, the required supporting documents to obtain a Credit Report are:

  1. The original Emirates ID card of the Applicant.
  2. Passport copy of the Applicant.
  3. In the case of Authorization, one must bring the following:
    • A copy of valid Emirates ID card and passport of the customer (owner of the Credit Report).
    • The original Emirates ID card of the authorized person.
    • Original notarized Power of Attorney acceptable to the Al Etihad Credit Bureau or an Authorization Letter that includes authentication of the customer's signature, from the bank.
    • Credit Report Consent Form (available online) duly filled in.

Yes, you are entitled to purchase your own Report by visiting the Customer Service Centers at Al Etihad Credit Bureau.

No. Al Etihad Credit Bureau will be collecting information on individuals’ credit applications, payment behaviour and debt records from all UAE lending institutions and other organizations, such as utilities, telecommunications companies, government etc.

Al Etihad Credit Bureau is not a decision maker. Banks and financial institutions (credit providers) are the decision makers and first point of contact for any loan or credit applications.

Information confidentiality and data protection is of utmost importance to the Al Etihad Credit Bureau. Information will be kept confidential as per the laws and regulations of the UAE.

There is a fee for individuals and companies to purchase their reports. Please visit the Al Etihad Credit Bureau website www.aecb.gov.ae for details.

Consumers and companies can dispute data presented in their Credit Report in any of Al Etihad Credit Bureau’s customer service locations, if they can prove that it is incorrect by providing supporting documents. For disputes, please visit the dispute web page in the Al Etihad Credit Bureau website: www.aecb.gov.ae

Please follow these steps if you think that any of the information in your Credit Report is not correct:

  1. Visit Al Etihad Credit Bureau to register a dispute.
  2. The Al Etihad Credit Bureau Customer Service Representative will raise a dispute flag in the system.
  3. The Al Etihad Credit Bureau Data Management Team verifies the dispute with the concerned credit providers within a maximum of 20 working days.
  4. The Al Etihad Credit Bureau Customer Service Representative contacts the customer and provides feedback regarding the dispute.

The required Supporting Documents for an Information Dispute for individuals are:

  1. The original valid Emirates ID card of the customer.
  2. In the case of authorization, please bring the following:
    • A copy of valid Emirates ID card of the customer (owner of the Credit Report).
    • The original and valid Emirates ID card of the authorized person to file a dispute.
    • Original notarized Power of Attorney acceptable to the Al Etihad Credit Bureau or an authorization letter that includes authentication of the customer’s signature from the bank.
  3. Fill in a dispute form (available online) and attach the following documents:
    • A valid Credit Report (recent).
    • All documents that support the validity of the customer dispute.

Al Etihad Credit Bureau will follow up your dispute in coordination with the lending institution that provided the data to ensure their validity. The Customer Service Representative will contact customers to provide them with feedback on their dispute within a maximum of 20 working days.

The Al Etihad Credit Bureau will not correct or change the data contained in the Credit Report as, according to the Law, it is the responsibility of the credit providers to take the necessary action in case inaccurate data is discovered.

  • Abu Dhabi office
     
    P.O. Box 111212 Emirates Real Estate Building, 8th Floor, Near Ministry of Finance - Al Falah St., Abu Dhabi

  • Dubai office
    P.O. Box. 6566 Rolex Tower, 25th Floor, Sheikh Zayed Road, Dubai

For more information, call 600 566 662 or visit www.aecb.gov.ae